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"According to the source above, family is around $4000, and individual is around $3000" Additionally, I think the average listed there is a misleadingly low se
by georgemcbay 14y ago
"According to the source above, family is around $4000, and individual is around $3000"
Additionally, I think the average listed there is a misleadingly low self-selector in that most anyone who has a pre-existing condition is likely to get quotes so expensive that getting an individual or family plan outside of the workplace is simply not a financially viable option.
There are many, many Americans for whom health insurance outside of a workplace group policy simply isn't an option, and that is sad, but the last thing needed to fix this problem is an application of Randian principles.
- tomjen3 14y agoAs somebody who is not an american, why would it be cheaper to get a health insurance through work if I had a preexisting condition - other than the obvious tax savings?
- capisce 14y agoPresumably the employer has more bargaining power than a single individual.
- locopati 14y agoYour individual pre-existing condition does not bubble up to the group. However, when negotiating as an individual, then each pre-existing condition does get considered and factored into the cost. There's power in groups.
- tomjen3 14y agoThank you. So at the same time, if one has no health conditions, one could expect to get a cheaper rate on an individual plan?
- mememememememe 14y agoWell, in most situation yes. You as an individual. There other problem with pre-condition, it's very broad. They can make up all kinds of BS and claim your application must be filed different because of some "magical" precondition.